Private medical insurance
Using Your Vitality Health Policy for Physiotherapy at Bluebell
Vitality Health typically covers physiotherapy for musculoskeletal conditions. Their process usually starts with the Vitality Care app or a call to Member Care — you'll be triaged and, for MSK complaints, given the option of digital physio (via a Vitality partner) or face-to-face treatment.
How the Vitality Claims Process Usually Works
- 1
Open the Vitality Care app or call Member Care on 0345 602 3523.
- 2
Report your symptoms and request face-to-face physiotherapy — for most MSK issues this is available as an alternative to their digital-first partner.
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You'll receive a pre-authorisation and claim reference.
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Book at Bluebell — mention your Vitality membership number and claim reference.
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We invoice Vitality directly for authorised sessions; you pay any excess up front.
Insurer networks and cover rules change over time. Always confirm your current cover directly with Vitality before your first appointment — or call us on 01634 757123 and we'll walk you through it.
Vitality physio face to face
Vitality physio often begins with a digital-first option, but for most musculoskeletal problems members can ask for face-to-face physiotherapy instead. When you call Member Care on 0345 602 3523 or use the Vitality Care app, explain that you would prefer to be seen in person and ask what face-to-face coverage your plan includes. Once you have a claim reference, you can book with Bluebell at Warren Road, Blue Bell Hill, Chatham ME5 9RD.
What to check with Vitality first
Ask how many sessions are authorised, whether there is an excess, and whether treatments such as shockwave therapy are covered for your condition. Keep the claim reference to hand when you book. Our physiotherapy service page explains what a first appointment involves, and the shockwave therapy page covers that treatment if it has been suggested for a tendon or heel problem.
Comparing insured and NHS physio
If you are deciding between your Vitality cover and an NHS referral, the guide to private versus NHS physio sets out how the two routes compare on referral, waiting and appointment length.
Vitality Physiotherapy — Common Questions
Can I skip Vitality's digital physio and see a physio in person?
For most MSK problems, yes — call Member Care and explain you'd prefer face-to-face treatment. Vitality regularly authorises this route.
Does Vitality cover shockwave therapy?
Vitality generally covers physiotherapy techniques used within a treatment plan for eligible conditions. Confirm shockwave cover for your diagnosis at the pre-authorisation stage.
Do I need a GP referral for Vitality physio?
Not usually — Vitality's Care Hub triages MSK complaints directly and authorises physio without a GP visit for most cases.
What if my Vitality plan has an excess?
Standard PMI rules apply: you pay your excess at the first appointment and we invoice Vitality for the remainder.
Will Vitality reward points apply if I use Bluebell?
Vitality rewards are set by your policy and activity, not by which physio you use. Ask Vitality about eligible activities linked to physiotherapy claims.
What is the Vitality Member Care number for physio?
Vitality lists Member Care on 0345 602 3523. Check the number on your own membership documents in case your plan uses a different line.
Does Vitality cover face-to-face physio?
For most musculoskeletal problems face-to-face physiotherapy can be requested instead of digital physio. Confirm your own coverage with Vitality before booking.